Phoenicia Holding

•	Manage all accounting operations of 14 companies *among sister companies pac duty free dal... Phoenicia trading afro-asia* including Billing, A/R, A/P, GL and Counsel, Cost Accounting, Inventory Accounting and Revenue Recognition
•	Coordinate and direct the preparation of the budget and financial forecasts and report variances
•	Prepare and publish timely monthly financial statements as well as manage rent contracts
•	Coordinate the preparation of regulatory reporting and research technical accounting issues for compliance
•	Support month-end and year-end close process
•	Ensure quality control over financial transactions and financial reporting
•	Manage and comply with local, state, and federal government reporting requirements and tax filings
•	Develop and document business processes and accounting policies to maintain and strengthen internal controls

Senior Manager, Financial Control 

Bank Audi

Relationship Manager - Large Corporate & Specialized Lending 

•	Manage the implementation, application and process under Lebanese Central Bank circulars 530/535/556/564, regulating FX and funding requirements for necessity goods imports, namely oil and gas, medical supplies, wheat and pharmaceuticals
•	Part of the team that manages a Corporate Assets Portfolio (+500 USD Million) in term of business relationship and development, management of daily operations and financial analysis
•	Work on all aspects of consumer lending from taking the application to the closing of the loan, analyze credit, assess debt to income ratios, unsecured debt ratios, and loan to value positions, while considering and discussing loan options, recognizing high risk borrowers, crossing sell credit life, credit disability, involuntary unemployment and warrantying asset protection auto deductible reimbursement
•	Cooperate with support staff and underwriters during the loan process to assure proper disclosures and all regulatory requirements are achieved while adhering to confidentiality in all facets of the job
•	Inspect and study an applicant's financial status, credit and property evaluations to decide the degree of risk involved in extending finance while approving loans and referring applications outside credit guidelines to Credit Managers for approval with supporting facts and mitigation

Relationship Manager-Special Funds

•	Handle and manage a Corporate Assets Portfolio (+50 USD Million) while maintaining and developing an assigned portfolio of relationships according to the bank credit policy and procedure and increasing the profitability generated by the existing client base 
•	Initiate new relationships according to the requirements set in yearly budgets, consistent with the bank’s business strategy while assessing clients’ financial posture through a thorough analysis, taking into consideration both market and legal risk
•	Create and develop new business through outside business development activities to make sure that the bank reaches its overall financial targets and conform to credit terms while controlling its daily transactions 
•	Prepare proposals for prospective customers, meet with them to acquire information regarding their business, desire, ability and earning potential so that decisions regarding approval can be made based on acceptable risk levels while issuing and analyzing financial background data

Relationship Manager

Credit Libanais

-Responsible for an assigned portfolio of borrowers across Retail, Commercial, SME, Banking products and Services.
-Analyze credit data to estimate degree of risk involved in extending credit or lending facilities to firms or individuals.
-Provide a quality credit analysis and assessment, spreading and analyzing financial statements and cash flow analysis

Account Manager

-Develop and maintain relationships with potential and existing clients in order to capitalize on opportunities to cross sell Crédit Libanais’ products and services.
-Contribute to the efficient operation of the branch through the accurate and timely process of all transactions and loans.

Client Relationship and Customer Service Agent 

Engage in professional discussions with existing and prospective clients with regards to the products and services offered by the bank.

Sales and Marketing Officer 

A detail-oriented and organized Senior Financial Controller with 13+ years of experience in the banking and finance industries. Proven record of processing loan applications, assessing customer needs and collecting client data. Effective leader who performs well in a collaborative environment with analysts, associates and managing directors. Adept at managing all aspect of the banking unit transaction process. 

Seeking to work in an environment that is conductive to my intellectual, professional, and personal growth, where I can contribute significantly to the growth of the team/organization with strong experience and expertise leading to success.

Feel free to connect with me to discuss any opportunity or work-related project!

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